Solvay Bank's Newest Branch is East Syracuse is NOW OPEN!
Mark your calendar for our Grand Opening Celebration on Saturday, February 28th from 10 a.m. - Noon. Our family-friendly event will have fun for all with a live DJ, free gifts & giveaways!
1 Annual Percentage Yield (APY) is accurate as of 01/22/2026. 4.00% APY is for 12 months from account opening if account qualifications and rate tiers are met. Current checking account holders or those who have closed a checking account within the last 90 days are not eligible for this offer. Limit one new checking account per tax ID. Rate may change after promotional period. Account holder must meet the following qualifications each statement cycle to earn rate and ATM refunds: (1) post and clear 12 debit card purchases; (2) post one electronic direct deposit; (3) receive eStatements. At least one electronic direct deposit of salary, pension or government benefits is required each statement cycle to avoid a $5 monthly maintenance fee. If your daily balance is $15,000 or less, the interest rate will be 3.93% with an APY of 4.00%. An interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $15,000. The APY for this tier will range from 0.10% to 4.00% depending on the balance in the account. If monthly qualifications are not met, the rate will be 0.05% with a 0.05% APY on all balances. Minimum deposit to open is $15. Fees may reduce earnings. Promotion may end without notice.
2 Horizon High-Yield Savings requires a companion Solvay Bank High Interest Checking Account. Your account earns interest using a tiering method where the stated rate only applies to the portion of the balance within the specified tier. You can maintain a Horizon High-Yield Savings account only if the qualifying High Interest Checking account with the same tax ID, meets the account qualifications each statement cycle. Annual Percentage Yield (APY) is accurate as of 01/22/2026. Minimum opening deposit is $15.00. Tier 1: A daily balance up to $24,999.99 earns an interest rate of 3.20% with an APY of 3.25%. Tier 2: A daily balance from $25,000.00 up to $49,999.99 earns an interest rate of 3.20%, the APY for this tier will range from 3.25% to 3.25% depending on the balance in the account. Tier 3: An interest rate of 0.10% will be paid only for the portion of your daily balance that is greater than $50,000. The APY for Tier ranges from 0.10% to 3.25% depending on the balance in the account. The rate may change after account opening. If High Interest Checking account qualifications are not maintained for three consecutive months, the Bank reserves the right to convert the Horizon High Yield Savings account to a Statement Savings account with corresponding rates and fees within 45 days of our notification to you. A new Horizon High Yield Savings cannot be re-opened for at least 90 days from an account conversion/account closure. A $25.00 fee or the account balance, if less than $25.00 will be charged if you close your account within 6 months of the open date. Limit one Horizon High Yield Savings account per tax ID, personal accounts only. Fees may reduce earnings.
3 6 month Certificates of Deposit effective 02/01/26 with an Annual Percentage Rate (APY) of 4.00%. Requires a minimum deposit of $500.00 to open the account and obtain the APY of 4.00%. New money only. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
4 Offer subject to credit approval and program guidelines. This Business Line of Credit requires an initial deposit of 10% of the new loan amount or an existing average balance of 10% in a Solvay Bank Business Checking Account. The promotional rate shown is not applicable for government-guaranteed products nor refinancing of existing Solvay Bank debt. Other terms, conditions, fees, and restrictions may apply. This rate is eligible for new lines of credit with limits between $50,000 and $1 million and are to be used for business purposes only. Offer is valid for a limited time and must be opened at East Syracuse branch. Applications received after offer ends will not be able to receive the offer. The rate shown reflects a discount of 0.25% for customers enrolled in a Solvay Bank business checking account with automatic payment at the time the new line of credit is opened. Rate is subject to change without notice. This Business Line of Credit offers an introductory interest rate of 4.99% for the first 9 months then a rate of Prime + 1.00%, where Prime is the prime interest rate as published by The Wall Street Journal Prime Rate (“Prime”) and may vary. Prime may change. No other discounts will apply.
5 Qualified accounts include any new High Interest Checking, Direct Rewards, Emerald account or any new Solvay Bank Business
Checking Accounts. Minimum Balance to receive free gift is $15.00. Must be opened in the East Syracuse branch. Also valid to those
who close a new qualified loan at the East Syracuse branch (mortgage, home equity, personal, auto, credit card). One free gift per tax
ID number. Free gift will be distributed at the time of account opening. Applicable 1099 will be issued. Offer subject to change at any
time, and may be modified or withdrawn based on availability, pricing adjustments, or promotional considerations. Offer good while
quantity lasts. The maximum aggregate value of the free gift awarded will be approximately $110.00 USD.
6 Offer subject to credit approval and program guidelines. The promotional rate shown is not applicable for government-guaranteed products nor refinancing of existing Solvay Bank debt. Other terms, conditions, fees, and restrictions may apply. This rate is eligible for new loan requests between $50,000 and $1 million and are to be used for business purposes only. Offer is valid for a limited time and must be opened at East Syracuse branch. Applications received after offer ends will not be eligible to receive the offer. The rate shown reflects a discount of 0.25% for customers enrolled in a Solvay Bank Business Checking Account with automatic payment at the time the loan is opened. Actual Annual Percentage Rate (APR) may vary and is determined based on product, collateral, term, loan amount, and credit qualifications. Rate is subject to change without notice.
